The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$3,749
−HK$235/mo
▼ 0.25% · 3.875%
HK$3,866
−HK$118/mo
Today · 4.125%
HK$3,984
baseline
▲ 0.50% · 4.625%
HK$4,227
+HK$243/mo
Deposit HK$822K · loan HK$822K · min. income ≈ HK$7,968/mo (50% DSR)
Upfront cash ≈ HK$822K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,171
−HK$225/mo
▼ 0.25% · 3.875%
HK$4,283
−HK$113/mo
Today · 4.125%
HK$4,396
baseline
▲ 0.50% · 4.625%
HK$4,628
+HK$232/mo
Deposit HK$822K · loan HK$822K · min. income ≈ HK$8,792/mo (50% DSR)
Upfront cash ≈ HK$822K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,499
−HK$282/mo
▼ 0.25% · 3.875%
HK$4,639
−HK$142/mo
Today · 4.125%
HK$4,781
baseline
▲ 0.50% · 4.625%
HK$5,072
+HK$291/mo
Deposit HK$658K · loan HK$986K · min. income ≈ HK$9,562/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,005
−HK$270/mo
▼ 0.25% · 3.875%
HK$5,139
−HK$136/mo
Today · 4.125%
HK$5,275
baseline
▲ 0.50% · 4.625%
HK$5,553
+HK$278/mo
Deposit HK$658K · loan HK$986K · min. income ≈ HK$10,550/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,249
−HK$329/mo
▼ 0.25% · 3.875%
HK$5,412
−HK$166/mo
Today · 4.125%
HK$5,578
baseline
▲ 0.50% · 4.625%
HK$5,917
+HK$339/mo
Deposit HK$493K · loan HK$1.15M · min. income ≈ HK$11,156/mo (50% DSR)
Upfront cash ≈ HK$493K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,839
−HK$316/mo
▼ 0.25% · 3.875%
HK$5,996
−HK$159/mo
Today · 4.125%
HK$6,155
baseline
▲ 0.50% · 4.625%
HK$6,479
+HK$324/mo
Deposit HK$493K · loan HK$1.15M · min. income ≈ HK$12,310/mo (50% DSR)
Upfront cash ≈ HK$493K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,748
−HK$423/mo
▼ 0.25% · 3.875%
HK$6,958
−HK$213/mo
Today · 4.125%
HK$7,171
baseline
▲ 0.50% · 4.625%
HK$7,608
+HK$437/mo
Deposit HK$164K · loan HK$1.48M · min. income ≈ HK$14,342/mo (50% DSR)
Upfront cash ≈ HK$165K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,507
−HK$406/mo
▼ 0.25% · 3.875%
HK$7,709
−HK$204/mo
Today · 4.125%
HK$7,913
baseline
▲ 0.50% · 4.625%
HK$8,330
+HK$417/mo
Deposit HK$164K · loan HK$1.48M · min. income ≈ HK$15,826/mo (50% DSR)
Upfront cash ≈ HK$165K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).